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Schedule of Fees and Services Charges

Lower fees, competitive rates and great customer service.

  • General
  • Checking
  • ATM
  • Other

General

Item Fee
Money Order ($1,000 max.) $3.00
Treasurer's Check $3.00
Replacement of Lost or Stolen Treasurer's Check $30.00
American Express Travelers Cheques: For One
American Express Travelers Cheques: For Two
1.0% of total
1.5% of total
American Express Gift Cheque $2.50
Visa® Gift Card $3.95
Deposited Check Returned: Returned Deposit Fee - Collectible $5.00
Deposited Check Returned: Returned Deposit Fee - Uncollectible $30.00
ACH Return
NSF/Uncollected
Avoid overdraft and uncollected funds fees. Learn more.
$30.00
Stop Payment
Check, ACH and Bill Payer
$25.00
Current Demand Statement
FREE on Online Banking
$2.00
Duplicate/Copy: DCU Check - FREE on Online Banking
Duplicate/Copy: Withdrawal slip
Duplicate/Copy: Deposited check
Duplicate/Copy: Statement
$1.00
$1.00
$2.50
$1.00/page
Research Fee
Such as account reconciliation, research, immigration letter,
levy/trustee summons, locator fee, etc. Attorney fees billed separately.
$25.00/hour
Foreign Item Collection
Canadian-U.S. funds (Exchange fees may also apply)
(Collecting Bank Fee):
FREE
Shared Branch Transaction FREE
DCU Ltd Account Withdrawal 1 FREE per month $25.00
Courier Charge
Standard, Priority, Overnight, International
$15.00-$35.00
Expedited Payment/Deposit
(Ex. Western Union/Speed Pay)
$10.00
Escheat (Abandoned Property) Processing $25.00/one-time

Business Accounts Deposit

Item Fee
20 Items or Less FREE
Over 20 Items $ .10/item

CashEdge Funds Transfer Service

Transfer Fee
Transfer to DCU
(Standard Service)
FREE
DCU Fee
(Standard Outgoing)
$5.00
DCU Fee
(Premium Incoming or Outgoing Next Day)
$10.00
People Pay FREE
Payment Center FREE

Money Wires

Transfer Fee
Incoming Wire Transfers FREE
Outgoing Wire Transfer:
Domestic
$15.00
Outgoing Wire Transfer:
International Sent in Foreign Currency
$40.00
Outgoing Wire Transfer:
International Sent in US Currency
$50.00

Additional fees may be charged by the receiving institution

Text Alerts

Service Fee
Overdrawn Check Alert* FREE
Credit Card Payment Reminder FREE
Credit Card Transaction Alerts FREE
Credit Card Statement Notification FREE

Message and data rates may apply

*NSF and Paid by Repost fees apply. See Checking/Overdraft.

Payment Center

Transaction Fee
Make deposits to your DCU Loans, Credit Cards, Checking, Savings, and Money Market Accounts from other financial institutions FREE
Move money from your DCU Checking, Savings, and Money Market Accounts to your DCU Credit Cards FREE

Checking Accounts

Free Checking

Item Fee
Monthly Maintenance Fee: DCU FREE Checking
NONE

No minimum balance required.

Dividend Checking

Item Fee
Monthly Fee: Dividend Checking
(Fee charged If daily balance falls below $2,500 during the month. Dividends paid on entire account balance.)
$10.00

Overdrafts and Checking

Item Fee
Paid - Nonsufficient Funds*
(Overdraft item paid)
(Avoid this by using a Visa or Home Equity Line of Credit.)
$30.00
Returned - Nonsufficient Funds* $30.00
Paid - Uncollected Funds* $30.00
Returned - Uncollected Funds*
Includes checks, line of credit checks, VISA drafts, ACH,
DCU Debit Card, and ATM withdrawals.

$30.00
Paid - 2nd Attempt to Clear
(Paid by repost)
NONE
Automatic Overdraft Transfer
From Savings.
Limit six per month from Savings**
$5.00/transfer
Temporary Checks $ 1.00/check
Bill Pay Transaction FREE
Check Order
(With Relationship Benefits on a DCU Checking Account, receive 120 free Custom-style checks each year)
(Printer's Charge)

* Includes checks, ACH, and DCU Debit Card withdrawals. Aggregate two (2) fees per day per account. Individual items that 1) are $10 or less, or 2) draw the account balance negative by $10.00 or less are not subject to such fees.

** In combination with other Regulation D transactions

Any negative balance that results from DCU having paid an item that causes an overdraft must be repaid promptly. Negative balances not repaid promptly will result in your being suspended or terminated from the DCU Overdraft Service.

ATM and Visa® Debit Card

Item Fee
Non-DCU ATM Transaction*
(Without Plus or Relationship Benefits
on a DCU Checking Account)
$0.75
Non-DCU ATM Transaction*
(With Plus or Relationship Benefits
on a DCU Checking Account)
FREE**
Foreign Currency Conversion Fee
(based on transaction amount)
Conversion Fee
Conveyance in US Funds
(no conversion necessary)
 
 
NONE
 
 
Replacement Card
Additional courier charge applies for rush orders
$10.00

* Some institutions may surcharge you for using their ATMs

** Up to $5 per month in non-DCU ATM surcharge reimbursements for Plus Benefits. Up to $15 per month in non-DCU ATM surcharge reimbursements for Relationship Benefits.

Visa Credit Card

Item Fee
Annual Fee NONE
Minimum Finance Charges
Balance Transfer:
Cash Advance:
 
NONE
NONE
Late Payment Fee
(Fee waived if signed up for automatic payment.
May even qualify for reduced loan rate).
Up to $35.00/month
Foreign Currency Conversion Fee:
(based on transaction amount)
Conversion Fee
Conveyance in US Funds
(no conversion necessary)
 
 
NONE
 
 
Duplicate Copy
Statement, Sales draft, VISA draft
FREE on Online Banking
$2.00
Replacement Card
Additional courier charge applies for rush orders
$10.00

Early Certificate (including IRA) Closing Penalties*

Length Penalty
3-11 months 60 days' dividend
12-35 months 90 days' dividend
36-60 months 180 days' dividend

* When you qualify for Relationship benefits on your DCU Checking Account, you'll automatically receive the highest published dividend rate for that DCU Certificate when you open or renew.

The same penalties apply on amounts prematurely withdrawn from a Certificate. IRS penalties may apply on IRA Certificate withdrawals. Jump-Up Certificate early withdrawal penalties will be calculated at the rate being earned at the time of withdrawal.